Mandeep Dhesi's blog

The 20/30/3 rule often referenced in personal finance is a home-buying formula that buyers can use for informed decision-making. Many home buyers do not plan their investments and get stuck in the EMIs.  This rule is designed for long-term financial stability and helps buyers understand their realistic affordability and budget.  If you are planning to buy or search for Canada houses, this rule can help you understand. Let us understand the 20/30/3 rule in detail:

What Does the 20/30/3 Rule Mean?  

The 20/30/3 rule is a simple formula in real estate that home buyers, especially first-time...

The Toronto Regional Real Estate Board releases monthly market updates for the GTA region. These include housing costs, sales, YOY change, and more. Buyers, sellers, and Canadian realtors use this information to understand the market conditions. However, the information can be complex, so Dhesirealestate helps you in simplifying monthly market trends. November housing trends show low activity and a decline in sales. Let’s give you a glimpse of what the GTA housing market looks like in 2025:

GTA Housing Market Trends December 2025

• The annual average selling price in the GTA is $1,067,968...

When you are selling any property in Canada, you have to pay capital gains tax to the Canada Revenue Agency. The capital gains tax on a primary residence is exempt, but it applies to the sale of all other properties. Sellers often research how long you have to live in a house to avoid capital gains tax. There are no specific years to consider a primary residence to avoid capital gains; it's calculated on a per-year basis. If you are searching for this, let's help you out in detail:

What are capital gains?

Capital gains, or capital gains tax, is a tax on appreciation after selling a...

Purchasing a house is among the largest financial choices Canadians make and among the initial questions prospective buyers of homes put is How much down payment do I need, In Canada, a down payment required to purchase a $500,000 house will depend on the mortgage requirements, your financial status and whether you would prefer not to pay mortgage insurance. We will dissect the minimum down payment requirements in this guide, the advantages and disadvantages of paying more in the beginning, and will address the overriding inquiries about down payments in Canada.

What Is a Down Payment?

The...

St. Thomas is a city that is worth visiting in case you are considering moving to Southwestern Ontario. St. Thomas has become a family-friendly community and the so-called Railway City because of its rich railway heritage. Ontario is becoming very popular among families, retirees, and professionals with its affordable housing, the expanding employment opportunity, and its location close to London. This guide will take you through all the information you need to know about living in St. Thomas, Ontario such as lifestyle, cost of living, housing, schools and common questions to be asked.

Toronto, Ottawa and London are just a few cities that come to mind when people think of moving to Ontario. However, Woodstock, Ontario or the Friendly City is soon to be an attraction among the families, the retired and the working population. The question that keeps on raising many questions in the minds of many people is Woodstock a good place to live?

The short answer is Yes-Woodstock has a beautiful mixture of small-city, cheapness and accessibility of both city and country amenities. In this case, we shall explain everything you need to know about life in Woodstock, including its...

Komoka is a developing small town worth visiting in case you consider moving to the Southwestern Ontario. Komoka is a small town near London, Ontario and is a perfect place to live where facilities of the city are easily accessible. The families, both retirees and the professionals are lured to Komoka by its natural beauty, cheapness and family friendly place. You will get everything you want to know about living in Komoka, Ontario such as where to live, and where to study, recreation, cost of living, and frequently asked questions.

Where is Komoka, Ontario?

Komoka is a community in the...

One of the most significant measures of economic stability and financial security among Canadians is homeownership. Although real estate has traditionally been viewed as a secure investment in a nation, the proportion of individuals who have their own homes is indicative of bigger housing patterns, affordability issues, and government regulations.

By 2025, it is estimated that the home ownership rate in Canada will be about 66 which implies that two-thirds of the Canadian households own the home they reside in. This renders Canada as one of the countries that have a relatively high...

Windsor (with Essex County) has several good elementary schools, both in the public and Catholic school board, and French and immersion programs. The following are the best schools, in terms of latest academic scores (EQAO), ranking, reputation of the community and special features.

School Type / Board Major Strengths and Notes

Bellewood Public School: Public, Greater Essex County District School Board (GECDSB)

• One of the best schools in Windsor.
• Equally strong in Grade 3 and 6 reading, writing, math scores in EQAO.
• Well-respected by parents.

W. F. Herman Academy: Public, GECDSB (JK-8)

...

The small house is a relatively new trend in Canada which is gaining momentum as an increasing number of individuals seek to find an affordable home, minimalistic life, and environmentally friendly residence. As real-estate prices in such cities as Toronto, Vancouver, and Calgary grow, tiny houses present a viable option to people who want to own their home without having huge debts.

However, the key question that most people have is; How much is a tiny home in Canada in 2025? This question is answered based on a number of elements including size, design, materials, location as well as...